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        <h1 id="云闪付"><a href="#云闪付" class="headerlink" title="云闪付"></a>云闪付</h1><p>没错，就是你想的那个云闪付。千人千面，今天我要从卡组织的角度来看。</p>
<p>银联大力推广，所以云闪付涉及方方面面。</p>
<a id="more"></a>

<h2 id="付的世界"><a href="#付的世界" class="headerlink" title="付的世界"></a>付的世界</h2><h3 id="便民服务"><a href="#便民服务" class="headerlink" title="便民服务"></a>便民服务</h3><p>乘车码、公共缴费、健康码、手机充值等</p>
<p>国庆期间，我去杭州西湖玩，地铁入口看到提示，可以使用云闪付和支付宝乘坐地铁；本着云闪付也是我支付软件后宫佳丽之一，今天就翻她牌了；众所周知，杭州基本上是支付宝的天下，到深圳是微信的天下，坐过城市交通的深深的体会到地方城市的溺爱。关键她以国家队的形式打破了地方城市的保护；关键操作非常简单而且还打9折优惠，爱了爱了。</p>
<h3 id="财富管理"><a href="#财富管理" class="headerlink" title="财富管理"></a>财富管理</h3><p>信用卡还款、转账、借款、申请信用卡等</p>
<p>信用卡还款免手续费！支付宝或者微信还信用卡从免费到收费，广大<strong>打工人</strong>表示马爸爸你变了。</p>
<h3 id="政务民生"><a href="#政务民生" class="headerlink" title="政务民生"></a>政务民生</h3><p>我的社保、我的医保、税款缴纳、交通罚款等</p>
<p>税款缴纳竟然可以使用信用卡！这个出乎意料。</p>
<h3 id="购物娱乐"><a href="#购物娱乐" class="headerlink" title="购物娱乐"></a>购物娱乐</h3><p>商城、数字景区等</p>
<p>数字景区买门票有优惠的。</p>
<h3 id="境外服务"><a href="#境外服务" class="headerlink" title="境外服务"></a>境外服务</h3><p>境外海淘、境外退税、权益U赏等</p>
<p>这个大类里的服务点击时有Error，测试人员的鸡腿没有了吧。</p>
<h3 id="第三方服务"><a href="#第三方服务" class="headerlink" title="第三方服务"></a>第三方服务</h3><p>租房、猫眼电影、淘车位等</p>
<h2 id="角色扮演"><a href="#角色扮演" class="headerlink" title="角色扮演"></a>角色扮演</h2><p>云闪付出自银联，银联做为卡组织；单纯从卡组织的角色来看，其云闪付的定位是非常契合的。</p>
<p>因为卡组织有服务、协调，自律以及监督等功能；这里就只从服务角度来看，就需要集发卡、收单、商户和持卡人于一体，满足各方一部分需求，平衡各方的利益点，以共荣为目的，在一个平台上提供服务。</p>
<p>所以从战略方向来看，前途一片光明。可是，云闪付却干了收单的事，这个平台就不再是拧成一股绳,搏尽一份力,狠下一条心,共圆一个梦的那个平台了。</p>
<h2 id="世事造化"><a href="#世事造化" class="headerlink" title="世事造化"></a>世事造化</h2><p>现在支付行业环境再也不是从前了。</p>
<h4 id="拉新"><a href="#拉新" class="headerlink" title="拉新"></a>拉新</h4><p>以前获取一个新用户的成本非常低的；但是现在获取一个新用户的成本比较高了，你看支付宝为了获取一个为了获取新用户，给老用户的推荐奖是20元的电话费。而且从现在的互联网用户总量来看，市场差不多快饱和了。</p>
<h4 id="用户量为王"><a href="#用户量为王" class="headerlink" title="用户量为王"></a>用户量为王</h4><p>谁的用户量大，谁就了不得，谁就话语权就大，得用户者得天下；甚至连监管都要考虑三分，有种三国时代的携天子而以令诸侯。</p>
<h4 id="互联网时代"><a href="#互联网时代" class="headerlink" title="互联网时代"></a>互联网时代</h4><p>而且现在互联网的世界是不再是4321，即龙头老大老二的市场份额占比基本上是70%左右，其它的基本上还能吃饱饭。而现在第三方支付的市场份额的90%多被龙头老大老二占了，所以除了微信支付宝，剩余的就只能叫做其它了；关键是老大老二利用行业领头优势，全面围杀竞争者的反击；最后，互联网的时代是一个变化万千的时代，是一个瞬息万变的时代，是一个与监管相爱相杀的时代；很多时候，行业龙头老大老二为了抢占市场，面子上对监管服服帖帖的，背后依旧干些偷偷摸摸的事，因为惩罚的成本与其利润相比显得微不足道。</p>
<h4 id="卡基过渡到帐基"><a href="#卡基过渡到帐基" class="headerlink" title="卡基过渡到帐基"></a>卡基过渡到帐基</h4><p>以前基本上是卡基支付，而现在是帐户支付的时代；卡基变成了帐基的基石，上层应用更多围绕着帐户来构建丰富的生态和应用场景。</p>
<p>所以内因加外因，这也是为什么银联投资和市场占比来看有点不成正比的主要原因。</p>
<h2 id="异军突起"><a href="#异军突起" class="headerlink" title="异军突起"></a>异军突起</h2><p>国家队的云闪付这几年的大力推广，效果虽然不是那么显著，但是起色还是不错的。如果要突破，本人的愚见还是回归支付本质和卡组织的本质。深耕支付场景，广惠各个实体，互助共荣不称霸。</p>

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